HealthNet Federal Credit Union

What is the Loan to Value Ratio of my home?Calculator

The Loan to Value Ratio (LTV) shows how much equity you have in a house relative to the amount you want to borrow or already have borrowed, and is one of the key risk factors assessed by lenders. A higher LTV ratio means higher risk for the lender, and may keep you from getting a loan. The highest LTV most lenders will accept is 95% with very good credit. Keep an eye on your LTV ratio over time as your mortgage balance is paid down, and as your house appreciates in value, because you may be able to eliminate the cost of monthly PMI insurance if the ratio is below 80%.

Mortgage & Lien Information

Current Mortgage Balance

Current Loan Amount

Enter the current balance of your mortgage.

Second Mortage Balance

Second Mortgage Loan Amount

Enter the current balance(s) of all your second mortgage(s) or home equity loan(s).

Lien Balances (If any)

Lien Amount

Enter the total amount of any liens on the property (tax liens, mechanics liens, etc).

Property Information

Appraised Value

Appraised Property Value

Enter the appraised value of your property.

Results

Home Loan To Value Ratio

First Mortgage Loan to Value Ratio:

0.00%

First Mortgage LTV

First Mortgage Loan to Value Ratio based on your first mortgage debt divided by the value of your home.

Cumulative Loan to Value Ratio:

0.00%

Cumulative LTV

Cumulative Loan to Value Ratio based on your total mortgage debt divided by the value of your home.

Information

HealthNet Federal Credit Union

Serving employees, independent contractors, or self-employed person who work in the health care industry in Shelby, Lauderdale, or Henderson Counties, Tennessee, or Desoto, Lafayette, Union or Prentiss Counties, Mississippi, or St. Francis, Mississippi, or Fulton Counties, Arkansas.